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Reply to "Any reason to have a HELOC?"
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[quote=Anonymous]I have one and I still don't get the point. In my opinion it would be smarter (if you are able) to just save money for tough times. My HELOC has a 5% interest rate, but it made no sense for me to use it for renovations when I was able to get an 18% month interest free credit card. [/quote]
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